The words “affordable” and “insurance” really shouldn’t be used in the same sentence, in particular when you are looking for the best insurance rates for government employees. Because it’s not cheap, let’s teach you a few of the things the can have a considerable influence on car insurance premiums, and find some ways to take the bite out of the next policy you buy.
Establishing which company offers the best insurance rates for government employees involves a bit more work than just picking a company at random. Every insurance company has a different process for determining rates, so let’s look at the rankings for the most budget-friendly insurance companies in Jacksonville.
Find the Cheapest Auto Insurance in Florida
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $977 |
| 2 | Amica | $1,746 |
| 3 | Electric | $1,764 |
| 4 | Progressive | $1,847 |
| 5 | Travelers | $1,869 |
| 6 | Mercury | $1,914 |
| 7 | Allied | $1,985 |
| 8 | State Farm | $2,068 |
| 9 | Esurance | $2,082 |
| 10 | Auto-Owners | $2,107 |
| 11 | GEICO | $2,150 |
| 12 | 21st Century | $2,373 |
| 13 | Allstate | $2,388 |
| 14 | Windhaven Insurance | $2,549 |
| 15 | MetLife | $2,870 |
| 16 | Safeco | $3,016 |
| 17 | Hanover | $3,054 |
| 18 | Liberty Mutual | $3,101 |
| 19 | United Automobile | $3,422 |
| 20 | Direct General | $4,022 |
| Find Your Rate Go | ||
USAA normally has some of the most affordable car insurance rates in Jacksonville at around $977 annually. This is $1,471 less than the average price paid by Florida drivers of $2,448. Amica, Electric, Progressive, and Travelers are also some of the more affordable Jacksonville, FL auto insurance companies.
As shown in the rates above, if you currently have coverage with Electric and switched to USAA, you might achieve annual savings of in the neighborhood of $787. Florida drivers with Progressive might save as much as $870 a year, and Travelers policyholders might see rate reductions of $892 a year.
To get a quick, customized rate comparison, click here to start your free quote or visit any of the companies below.
Remember that these premium estimates are averaged for all types of insureds and vehicles and and are not calculated with a specific zip code for government employees. So the auto insurance company that has the cheapest price for you may not even be in the list above. That is why you need to compare prices as often as possible using your own personalized driver profile and vehicle information.
For state and federal workers, one of the largest things that help determine the cost of insurance is where you keep your vehicle in Jacksonville. Larger areas tend to pay more, whereas areas with lower crime rates and fewer weather claims have the gratification of cheaper auto insurance rates.
The table below rates the priciest cities in Florida for government employees to buy auto insurance in. Jacksonville shows up at #20 with an annual rate of $1,960 for the average policy, which is around $163 per month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Hialeah | $3,488 |
| 2 | Miami Gardens | $3,245 |
| 3 | Miami | $3,241 |
| 4 | Miami Beach | $2,923 |
| 5 | West Palm Beach | $2,679 |
| 6 | Hollywood | $2,630 |
| 7 | Miramar | $2,629 |
| 8 | Tampa | $2,610 |
| 9 | Coral Springs | $2,574 |
| 10 | Pompano Beach | $2,518 |
| 11 | Pembroke Pines | $2,481 |
| 12 | Fort Lauderdale | $2,475 |
| 13 | Davie | $2,448 |
| 14 | Brandon | $2,322 |
| 15 | St. Petersburg | $2,263 |
| 16 | Clearwater | $2,238 |
| 17 | Orlando | $2,069 |
| 18 | Spring Hill | $2,060 |
| 19 | Port St. Lucie | $1,994 |
| 20 | Jacksonville | $1,960 |
| Compare Rates Now Go | ||
Prices are comparative as specific Jacksonville garaging address can increase or decrease auto insurance rates noticeably.
Accidents and violations increase rates
The easiest method to earn good insurance prices in Jacksonville for state and federal workers is to be a safe driver and avoid at-fault accidents and violations. The information below shows how traffic citations and at-fault accidents increase auto insurance costs for different insured age categories. The prices are based on a single female driver, comp and collision included, $1,000 deductibles, and no other discounts are factored in.
The data charted above shows the average cost of car insurance in Jacksonville per year with no accidents and a clean driving record is $2,224. Factor in one speeding ticket and the average cost rises to $2,525, an increase of $301 each year. Then add in two accidents along with the one speeding ticket and the annual cost of insurance for government employees increases to an average of $5,372. That’s an increase of $3,148, or $262 per month, just for not driving attentively!
Types of discounts on Jacksonville auto insurance rates
Insurance companies that offer coverage for government employees may also give you discounts that can lower rates by as much as 25% or more if you meet eligibility requirements. Large insurance companies and the discounts they provide include:
- State Farm may have discounts that include multiple autos, defensive driving training, good student, anti-theft, student away at school, safe vehicle, and accident-free.
- GEICO may offer discounts for multi-policy, anti-theft, seat belt use, daytime running lights, and military active duty.
- Progressive discounts include online quote discount, homeowner, online signing, good student, multi-vehicle, multi-policy, and continuous coverage.
- 21st Century offers discounts including student driver, anti-lock brakes, driver training, theft prevention, 55 and older, and early bird.
- American Family policyholders can earn discounts including good driver, defensive driver, multi-vehicle, TimeAway discount, Steer into Savings, air bags, and accident-free.
- The Hartford offers discounts for vehicle fuel type, bundle, good student, air bag, and anti-theft.
- AAA offers premium reductions for multi-car, good driver, education and occupation, anti-theft, AAA membership discount, and pay-in-full.
The information below shows the comparison of insurance rates with and without discounts applied to the policy premium. The data assumes a male driver, a clean driving record, no at-fault accidents, Florida state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows insurance cost with no discounts. The second shows the rates with safe-driver, accident-free, claim-free, vehicle safety, marriage, and multiple policy discounts applied. When drivers take advantage of discounts, theamount saved on insurance for government employees is 28% or $827.
Cost of full coverage in Jacksonville
Reducing the cost of insurance is important to most people, and one of the quickest ways to lower the cost of insurance for government employees is to not buy full coverage. The illustration below illustrates the comparison of premium costs when comparing full coverage to liability only. The premiums assume no tickets, no at-fault accidents, $500 deductibles, single marital status, and no additional discounts are factored in.
If we average all the age groups together, comp and collision coverage costs $1,961 per year over and above liability coverage. Many people question when is the right time to remove full coverage. There is no exact formula of when to phase out comp and collision coverage, but there is a guideline you can use. If the annual cost of having full coverage is 10% or more of the vehicle’s replacement cost less your deductible, then you might want to consider buying only liability coverage.
For example, let’s say your vehicle’s settlement value is $8,500 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, you would only receive $7,500 after paying your policy deductible. If you are paying more than $750 annually to have full coverage, then you may need to consider dropping full coverage.
There are some circumstances where buying only liability insurance is not advised. If you haven’t satisfied your loan, you have to keep full coverage to protect the lienholder’s interest. Also, if your finances do not allow you to purchase a different vehicle if your current one is damaged, you should keep full coverage on your policy.
Here’s why you should shop around
Jacksonville insurance rates are determined by lots of factors which can substantially decrease or increase the cost of a policy. Simply getting older, buying a new vehicle, or having an accident can cause premium changes that can cause some rates to be cheaper than competitors.
Also, auto insurance companies amend pricing as needed in order to protect their financial rating. Heavy losses may result in additional price hikes, while profitable underwriting may cause cheaper Jacksonville car insurance rates.
To help illustrate this point, the chart below shows the companies that have the cheapest car insurance in Jacksonville, FL for a 35-year-old male driver with a clear driving record, no claims, and a good credit rating. If we estimate prices based on his current risk factors, USAA might offer the cheapest car insurance rates in Jacksonville at $1,095 a year. This is $1,353 less than the average rate paid by Florida drivers of $2,448. Amica, Electric, Progressive, and Travelers are also included in the top five cheapest Jacksonville, FL auto insurance companies.
Now let’s give the driver from the above example a claim or two, a lower credit rating, and a speeding ticket. Since each insurance company has a unique approach for establishing rates, comparing prices will most likely result in a different set of affordable Jacksonville car insurance companies as shown below.
USAA now has the cheapest rate in Jacksonville with Allied, Esurance, State Farm, and Auto-Owners also being competitive. This example illustrates why it is important to spend some time comparing rates when trying to get the best car insurance quotes for government employees.
Auto insurance prices are influenced by many different factors and can decrease or increase without notice, so the best option a year ago may now cost much more than other companies.